An exaggerated accounting of losses . An inflated value for stolen property . A body shop estimate that happens to include pre-existing damage . Medical charges for nonexistent conditions . These are all small potatoes, victimless crimes, fair compensation for spiraling premiums and deductibles – right?

That attitude seems to prevail among businesses and consumers these days. A 2010 study by Accenture, the Insurance Consumer Fraud survey, found that more than 68 percent of respondents say

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